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Fourchette du Jour
17,67 €
18,33 €
Fourchette 52 Semaines
16,99 €
25,17 €
Volume
725 306
Moyenne 50J / 200J
19,87 €
/
22,17 €
Clôture Précédente
17,75 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 10,1 | 10,3 |
| P/B | — | 1,1 |
| ROE % | — | 11,7 |
| Net Margin % | 47,3 | 16,8 |
| Rev Growth 5Y % | 7,9 | 11,7 |
| D/E | — | 0,5 |
Objectif de Cours des Analystes
Hold
20,00 €
+9.8%
P/E Prévisionnel
9,3
BPA Prévisionnel
1,97 €
Croissance BPA (est.)
+0,0%
CA Est.
410 M
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
1,77 €
1,63 € – 1,90 €
|
380 M | 1 |
| FY2027 |
1,94 €
1,89 € – 2,13 €
|
410 M | 7 |
| FY2026 |
1,97 €
1,85 € – 2,06 €
|
410 M | 7 |
Points Clés
Revenue grew 7,85% annually over 5 years — modest growth
Net margin of 47,34% shows strong profitability
Generating 180,28M in free cash flow
P/E of 10,11 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 7,72%
Cash machine — converts 105,73% of earnings into free cash flow
Croissance
Revenue Growth (5Y)
7,85%
Revenue (1Y)0,13%
Earnings (1Y)-8,60%
FCF Growth (3Y)-3,09%
Qualité
Return on Equity
N/A
ROICN/A
Net Margin47,34%
Op. Margin53,55%
Sécurité
Debt / Equity
N/A
Current RatioN/A
Interest Coverage1,83
Valorisation
P/E Ratio
10,11
P/B RatioN/A
EV/EBITDAN/A
Dividend Yield0,08%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 0,13% | Revenue Growth (3Y) | -1,31% |
| Earnings Growth (1Y) | -8,60% | Earnings Growth (3Y) | -12,36% |
| Revenue Growth (5Y) | 7,85% | Earnings Growth (5Y) | -5,27% |
| Profitability | |||
| Revenue (TTM) | 360,21M | Net Income (TTM) | 170,52M |
| ROE | N/A | ROA | N/A |
| Gross Margin | 72,84% | Operating Margin | 53,55% |
| Net Margin | 47,34% | Free Cash Flow (TTM) | 180,28M |
| ROIC | N/A | FCF Growth (3Y) | -3,09% |
| Safety | |||
| Debt / Equity | N/A | Current Ratio | N/A |
| Interest Coverage | 1,83 | Dividend Yield | 0,08% |
| Valuation | |||
| P/E Ratio | 10,11 | P/B Ratio | N/A |
| P/S Ratio | 4,79 | PEG Ratio | -1,11 |
| EV/EBITDA | N/A | Dividend Yield | 0,08% |
| Market Cap | 1,72B | Enterprise Value | N/A |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 360,21M | 359,74M | 369,80M | 187,16M | 266,27M |
| Net Income | 170,52M | 186,57M | 222,02M | 108,05M | 211,78M |
| EPS (Diluted) | 1,81 | 2,03 | 2,61 | 1,38 | 2,79 |
| Gross Profit | 262,39M | 252,97M | 273,41M | 136,49M | 225,86M |
| Operating Income | 192,89M | 193,12M | 223,83M | 111,24M | 214,07M |